Hello. I have a British Gas account for dual energy with small outstanding balance (£350) I pay by direct debit £170 per month. THis is too high, my usage for last year was just over £100 per month across the year. I have argued with BG that whilst I realise they want the balance paid off the amount I'm paying will put me in credit by some way by the end of the year which they will then refund me. I feel this is morally wrong, I don't see why a multi million pound corporation should owe me money, particularly when it is set up as a credit account and there is an entry on my credit file! My question is if they won't play ball and reduce my payments can they do anyting if I cancel the dd and just pay manually each month, assuming I pay slightly more than what I've used so the balance comes down, albeit at a slower rate than they would like? Thanks.

Thank you

I'd appreciate a bit more advice on this complaint. After the non budge phone call they've actually emailed me this morning which I've copied below. I have now complained to the fos but haven't heard anything from them yet. Should I respond now to this email, and if so what should I write? Or just leave it now to the ombudsman? Thanks again Good afternoon Further to your recent email, I have reviewed your comments about why you didn’t complain about your loans until now, and I need some more information from you. Please be aware that without speaking with you I may not have enough information to come to a conclusion as to whether or not the 3 year exception applies to your circumstances. Please can you provide more information to help us understand what led you to make your complaint. Was there anything specific that triggered you to make your complaint? Please provide as much information as you can.

They phoned me this morning asking me to answer some further questions. I refused and said I want to keep everything in writing, they refused and said they need to actually speak to me, this went back and forwards for a good few minutes with them saying they don't email customers as they need to ask over the phone. Strange given everything has been done by email so far. So I guess its off to the Ombudsman I go...

Update, I went back to them saying that I've only recently found out the loans were able to be complained about. They have now got back to me saying they need some more information and would like to speak to me over the phone. Should I do this or insist everything is kept in writing, or just ignore now and go straight to the FOS? Thanks

Hello No need to apolgise, thanks for taking the time to help. So from the above do you think I should go back to them now with that information or just go direct to the FOS?

Thank you

A few years ago I had a lot of cheque cashing loans rolled over with the Money Shop. I only found out very recently that these are still classed as pay day loans and are therefore claimable for irresponsible lending. I sent them the SAR which I recieved, and then the complaint. After a bit of padding out they have sent me their 'final response', which is copied below. Could someone please advise me how I should proceed. Many thanks Thank you for taking the time in bringing your complaint to my attention on 04 Apr 2019 and for giving me the chance to put things right. I have now finished my investigation. complaint Please read this part carefully as I will explain how I understand your complaint. This is important in how I have reached my decision: We received your complaint via email on 04/04/2019. You believe that the loans were mis-sold to you by Your us. You claimed that the loan payments which you paid to us left you with too little money and that the loans were unaffordable. You claimed that you not afford these loans and after making the repayments to us, you had to borrow again to get through the next month. You claimed that we should have realised from the number of times you borrowed that your debt problems were getting worse and it was not responsible to continue to lend to you. Your lending took place between 10/03/2008 and 28/12/2012. My Decision: We handle complaints following rules set out by the Financial Conduct Authority (FCA). One rule is that a customer must complain within 6 years of the problem. Another rule is that if more than 6 have passed, you must complain within 3 years of knowing you could complain about the problem. I can see that all of the loans that you are complaining about are more than 6 years old. So for me to consider these loans, I need you to tell me why you didn’t complain about these loans until now. Next Steps: I appreciate that this may not be the response you may have been hoping for but I hope you can see how and why I have come to my decision. If you are not satisfied, you may also ask for an independent review by the Financial Ombudsman Service. You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. Please also see: www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm A leaflet from the Financial Ombudsman Service, “Your Complaint and the Ombudsman” is available by post only; please contact us if you would like a copy to be sent to you. If you have any queries, please do not hesitate to contact us either via telephone or email using the details below and quoting the Case Reference number above. Our telephone opening hours are from 9am to 5pm Monday to Friday. Yours faithfully, Customer Relations Department T: 0800 280 2548 E: customerrelations@themoneyshop.co.uk The Money Shop is a trading name of Instant Cash Loans Limited. Instant Cash Loans Limited is a company registered in England and Wales, Company Number 2685515 Registered Address: 6 Bevis Marks, London EC3A 7BA Regulated by the Financial Conduct Authority in relation to credit-related activities. VAT Registration Number: 896 1022 16 *Please note that for training and security purposes, telephone calls may be recorded Letter Code - FRL

Hoping someone can advise me about an issue with these people. I've been a silly boy and used wonga a few times whilst I was self employed a while ago. I had no problems at first and it was actully a good short term cashflow solution if used correctly, however I encountered problems with my work and fell behind with payments, and so they started adding fees and interest. This was about the time they went into administration. About the same time I filed a complaint of irresponsible lending as I had got into the situation of having to roll over loans. This complaint was ignored and then sent on to the FOS, and it still remains unsettled I've since paid off the orginal amount borrowed so all that remains is the fees they have added (roughly £400). I read on another consumer site that if it is just charges owed then not to pay it as it can be used to set off any compensation due when the complaint is finally settled (obviously I am unlikely to get a penny back due to them being in administration). I have contacted wonga several times about this complaint but they just bat me off saying its being dealt with, even though it has long since passed any deadlines, and now they have placed the account in default which had damaged my credit score a huge amount. Is there anything I can do about this or is it just a waiting game now? Thanks in advance

I'm waiting ona final statement from them at the moment, they don't seem to be in any rush to supply it

HI, I've recently paid off my car finance which was with Close Brothers Motor finance. Over the period of the loan there were a few late payment administration charges charges added. I remember someone saying its possible to claim these back? Is that correct, and if so how should I go about it? Thanks for any advice.

What a shame, never mind... I wonder now how many people will just not bother paying back their outstanding loans, thus making things even worse for the company/administrators?

Not yet but i will get reading, thanks

Ok thanks. I think I'll write to them and enclose a small payment for this month and tell them they can have the rest over the next couple of payments. With regard to penalty charges are you saying i can claim those back, even though it will say what they are somewhere in the agreement?

Yes I'm pretty sure its HP, it was all arranged through the dealer i bought the car from.